WEA Signature Care

The WEA Signature Care plan option is our base-level international healthcare plan, offering expats a comprehensive insurance package, including full emergency room, surgery and outpatient medication benefits, along with Emergency Medical Evacuation and multiple deductible options.

Plan Highlights

  • Worldwide coverage (U.S. optional)
  • 5 deductible options
  • Hospitalization
  • Intensive Care Unit
  • Emergency Room coverage
  • Prescription medication
  • Emergency medical evacuation
  • Optional maternity benefits

Lifetime Maximum Benefits

Up to $250,000 for human organ transplant

$1,000,000 per insured

General

 

BenefitCoverage
Area of Coverage OptionsWorldwide (including U.S. Coverage)

or

Worldwide (excluding U.S. Coverage)
Policy Lifetime Maximum per Insured$1,000,000
Policy Year Deductible Options
(Certificate of Coverage defines your selection)
  • Individual
  • Family

Deductible for Family is a maximum of two (2) individually met deductibles per policy year.
$250 | $500 | $1,000 | $2,500 | $5,000
Co-Insurance Limit (Out-of-Pocket) Outside the U.S.No co-insurance applies
Co-Insurance Limit (Out-of-Pocket) U.S. In-NetworkAfter the deductible, 20% of the first $5,000 of covered medical charges
Co-Insurance Limit (Out-of-Pocket) U.S. Out-of-NetworkAfter the deductible, 50% of covered medical charges
Policy Waiting Period30 days
Inpatient Benefits

 

BenefitU.S. In NetworkU.S. Out of NetworkOutside the U.S.
Hospital Room and Board
60 days per hospital admission. 240 days per policy year.
80%
Up to $600 per day
50%
Up to $600 per day
100%
Up to $600 per day
Intensive Care Unit (ICU)
45 days per confinement. 180 days per policy year.
80%
Up to $1,500 per day
50%
Up to $1,500 per day
100%
Up to $1,500 per day
Inpatient Ancillary Hospital Services
Including, but not limited to X-rays, drugs, bandages, operating room fees, surgical implants
80%50%100%
Inpatient Physician/Specialist Visits
Limited to one visit per day per specialty
80%50%100%
Inpatient Surgery80%50%100%
Surgeon’s Fees80%50%100%
Assistant’s Surgeon’s Fees20% of the Primary Surgeon approved fees
Anesthesiologist’s Fees30% of the Primary Surgeon approved fees
Pre-Admission Testing
Must be performed before non-emergency hospitalization
80%50%100%
Extended Care Facility
30 days per policy year
80%50%100%
Human Organ Transplant & Acquisition
Subject to 12-month waiting period
80%
$250,000 lifetime maximum
Not covered100%
$250,000 lifetime maximum
Outpatient Benefits
BenefitU.S. In NetworkU.S. Out of NetworkOutside the U.S.
Outpatient Surgery80%50%100%
Surgeon’s Fees80%50%100%
Assistant’s Surgeon’s Fees20% of the Primary Surgeon approved fees
Anesthesiologist’s Fees30% of the Primary Surgeon approved fees
Chiropractic Services80%
Up to $50 per visit*
50%
Up to $50 per visit*
100%
Up to $50 per visit*
Diagnostic Testing
MRI, CT Scan, PET Scan, and other diagnostic machine tests; Limited to $250 per scan
80%50%100%
Dialysis80%50%100%
Emergency Room Services
If not admitted to the hospital, a co-payment of $250 per visit will apply
80%50%100%
Home Health Care
30 days per policy year
80%50%100%
Hospice Care
30 days per policy year
80%50%100%
Outpatient Physician/Specialist Visits
Limited to one visit per day
80%
Up to $70 per visit*
50%
Up to $70 per visit*
100%
Up to $70 per visit*
Oncology / Cancer Treatment80%50%100%
Reconstructive Surgery
Due to covered injury or illness
80%50%100%
Outpatient Rehabilitation / Therapeutic Services
Physical, Speech, Occupational Therapy
30 visits per policy year
Outpatient Mental/Nervous Health
Subject to 12-month waiting period
80%
Up to $60 per visit*
50%
Up to $60 per visit*
100%
Up to $60 per visit*
Wellness Benefit for Children under the age of 19
Subject to 12-month waiting period
Up to $200 per policy year
Deductible waived

 

Additional Benefits

 

BenefitU.S. In NetworkU.S. Out of NetworkOutside the U.S.
Congenital Disorders, Birth Defects & Hereditary Conditions80%
$250,000 lifetime maximum
50%
$250,000 lifetime maximum
100%
$250,000 lifetime maximum
Durable Medical Equipment80%50%100%
Prosthetic Limbs80%
Up to $10,000 per prosthesis
$20,000 lifetime maximum
50%
Up to $10,000 per prosthesis
$20,000 lifetime maximum
100%
Up to $10,000 per prosthesis
$20,000 lifetime maximum
Prescription Medication80%
Up to $20,000 per policy year
50%
Up to $20,000 per policy year
100%
Up to $20,000 per policy year
Emergency Dental Treatment
To restore natural teeth damaged in a covered accident
80%
Up to $1,000 per policy year
50%
Up to $1,000 per policy year
100%
Up to $1,000 per policy year
Non-Professional Sports$50,000 lifetime maximum
Emergency Medical Evacuation / Air AmbulanceUp to $50,000 policy year
Emergency Ground Ambulance80%
Up to $1,500 per event
50%
Up to $1,500 per event
100%
Up to $1,500 per event
Repatriation of Mortal Remains or Local Burial
(In lieu of repatriation)
$25,000 lifetime maximum

Deductible waived
Maternity (Optional Rider)

 

BenefitU.S. In NetworkU.S. Out of NetworkOutside the U.S.
Lifetime maximum of $50,000; Subject to 10-month waiting period; Deductible waived for deductible options of $2,500 or less
100% coverage up to the limits below for the insured female policyholder or insured dependent spouse only.
Normal Delivery
Prenatal and postnatal care
80%
Up to $5,000 per pregnancy
50%
Up to $5,000 per pregnancy
100%
Up to $5,000 per pregnancy
Cesarean Section80%
Up to $7,500 per pregnancy
50%
Up to $7,500 per pregnancy
100%
Up to $7,500 per pregnancy
Complications of Pregnancy and Birth80%
$50,000 lifetime maximum
50%
$50,000 lifetime maximum
100%
$50,000 lifetime maximum

All benefits are subject to Usual, Customary and Reasonable (UCR) fees. The benefits, coverage and exclusions listed herein are only a summary, and are subject to the specific terms and conditions of the plan concerning eligible benefit, limitations, eligibility and exclusions. Please refer to the Policy Wording for details.

Penalties to the benefits payable under this plan may apply if the requirements are not met. Please refer to the section labeled Pre-Certification Requirements and Procedures in the plan’s Policy Wording. You must contact the pre-certification provider number listed on your identification card.

The following services require Pre-Certification: Hospitalization | Surgeries | Diagnostic Testing | Oncology Treatment | Repatriation of Mortal Remains | Therapy | Organ Transplant | Medical Air Evacuation / Air Ambulance | Rehabilitation | Home Health Care | Extended Care Facility / Diagnostic Testing

Failure to perform the pre-certification requirements within a minimum of 5 business days prior to the planned treatment of a non-emergency service or within 72 hours of an emergency service, will result in a penalty of 30% of the allowable charge for the entire episode of care. The penalty will not count toward the deductible or co-insurance maximum as defined on the Certificate of Coverage.

Usual Customary and Reasonable Charges = UCR. All amounts are in USD.

*For Care plan option: Office visits, mental nervous and chiropractic visits combined have a maximum of 25 visits.

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